A memo to you young guys/gals. Save your bucks, there are hard times ahead. I'm a healthy 70ish DOM, have a nice boat, quite a few paid for homes around the area, retired, and a few mil cash in the bank. Wish I had played harder when younger, but not looking back, I had a ball and feel I have a few more good years to go. My message to you young ones, is you finance too much, you're way too deep in debt. Yes, I was fortunate and wealthy enough to pay cash for everything I ever owned for the last 30 years and that just added to my bottom line. My own kids all turned out well, all professionals and no longer need any financial help. Plan your future, its not going to be as easy for you as is was for me. See you on the lake